Does Micro Health Insurance Solve the Problem of Providing Accessible Healthcare to the Poor? Evidence from Niramoy Project, Bangladesh

Authors

  • Md. Mizanur Rahman SUST
  • Sakufa Chowdhury SUST

DOI:

https://doi.org/10.18034/gdeb.v3i1.171

Keywords:

Micro Health Insurance, Delivery and Distribution Channel, Healthcare to Poor

Abstract

Billion of people in the world are out of reach from the modern health care facilities and medicine. Micro health insurance is one of the methods of providing accessible health care facilities to the poor. Micro health insurance in Bangladesh provides basic health care at an affordable rate for the poor and the ultra-poor. The traditional insurance program consists of front cash at each stage of service delivery, but micro health insurance scheme with its partner-agent model based distribution channel cover the adequate risk protection, inclusivity of access, affordability and program sustainability. The results of the analysis showed that micro health insurance program in Bangladesh has improved at the present time, but the increased access cannot reduce the essential health-related costs of marginal household.

JEL Classification Code: G22; J65

Metrics

Metrics Loading ...

Downloads

Download data is not yet available.

Author Biographies

  • Md. Mizanur Rahman, SUST

    Graduate Student, Department of Business Administration, Shahjalal University of Science & Technology, Sylhet, BANGLADESH

  • Sakufa Chowdhury, SUST

    Assistant Professor, Department of Business Administration, Shahjalal University of Science & Technology, Sylhet, BANGLADESH

References

Ahsan S. M., Hamid S. A. Barua S. (2013), Demand for Micro Health Insurance in Rural Bangladesh, Institute of Microfinance.

Ahsan S. M., Hamid S. A. Barua, S. (2010) Health Risks in Bangladesh: Can Microinsurance Prevent Vulnerability to Poverty?, Institute of Microfinance, InM Working Paper No. 03.

Ahsan S. M., Hamid S. A. Barua, S. (2012) Utilisation of Formal Health Care and Out-of-Pocket Payments in Rural Bangladesh, Institute of Microfinance, InM Working Paper No. 13.

Ahsan S. M., Hamid S. A. Barua, S. L. Tax Jaimie (2010), Toward an Efficient and Sustainable Microinsurance Market: The Regulatory Perspective, Institute of Microfinance, InM Working Paper No. 02.

Churchill, C. (2006), Protecting the Poor A Microinsurance Compendium, Munich Re Foundation, 80791 München, Germany.

Churchill, C. (2007). Insuring the Low-Income Market: Challenges and Solutions for Commercial Insurers, Palgrave Macmillan Journals, Volume: 32 (Issue: 3), pp 401-412. DOI: https://doi.org/10.1057/palgrave.gpp.2510132

Dodd R. Munck Lise (2002), Dying for Change Poor People's Experience of Health and Ill-health, World Health Organization, The World Bank, Voices of the Poor.

Dror, I. (2007), Demystifying Micro Health Insurance Package Design- Choosing Health Plans All Together (CHAT), Social Science Research Network, Microfinance Insights 4, 17-19.

Joglekar, R. Pal, R. (2008), Can Insurance Reduce Catastrophic Out-of-Pocket Health Expenditure? Indira Gandhi Institute of Development Research, IGIDR working paper, Mumbai, WP-2008-016.

Leatherman, S. Christensen L. J. and Holtz, J. (2010), Innovations and Barriers in Health Microinsurance: Micro Insurance Paper 6, Micro Insurance Innovation Facility, International Labour Organization, Geneva.

Morduch J. (2006) Micro-insurance: The Next Revolution?, Oxford University Press. National Medical Journal of India, Volume: 16 (Issue: 2) pp: 79-89.

Ranson M.K. Sinha T. Chatterjee M. Acharya A. Bhavsar A. Morris SS. Mills AJ. (2006), Making health insurance work for the poor: learning from the Self-Employed Women's Association's (SEWA) community-based health insurance scheme in India, Elsevier, Volume 62 (Issue:3) pp:707–720. DOI: https://doi.org/10.1016/j.socscimed.2005.06.037

Ranson, M. K. (2003), Community-Based Health Insurance Schemes in India: A review, The

Roth J. McCord M.J. Liber Dominic (2007), The Landscape of Micro Insurance in the World's 100 Poorest Countries, The MicoInsurance Center, LLC.

Werner, W. J. (2009), Micro-insurance in Bangladesh: Risk Protection for the Poor, International Centre for Diarrhoeal Disease Research, Bangladesh, Journal of Health Population and Nutrition, Volume: 27 (Issue: 4) pp:563-573 DOI: https://doi.org/10.3329/jhpn.v27i4.3402

--0--

Downloads

Published

2014-06-30

Issue

Vol. 3 No. 1 (2014): January - June Issue

Section

Articles

License

The CC BY-NC 4.0 license lets others remix, tweak, and build upon your work non-commercially, and although their new works must also acknowledge & be non-commercial, they don’t have to license their derivative works on the same terms.
|| View License Deed ||
|| View Legal Code ||
 
Publishing paper with Global Disclosure in Economics and Business means that the author or authors retain the copyright in the paper.
This journal is granted an exclusive noncommercial reuse license by the author(s), but the author(s) are able to put the paper onto a website, distribute it to colleagues, give it to students, use it in your thesis, etc, so long as the use is not directed at commercial advantage or toward private monetary gain.
The author(s) can reuse the figures and tables and other information contained in their paper published by Global Disclosure in Economics and Business in future papers or work without having to ask anyone for permission, provided that the figures, tables or other information that is included in the new paper or work properly references the published paper as the source of the figures, tables or other information, and the new paper or work is not direct at private monetary gain or commercial advantage.

How to Cite

Rahman, M. M. ., & Chowdhury, S. . (2014). Does Micro Health Insurance Solve the Problem of Providing Accessible Healthcare to the Poor? Evidence from Niramoy Project, Bangladesh . Global Disclosure of Economics and Business, 3(1), 55-64. https://doi.org/10.18034/gdeb.v3i1.171